Last week, I wrote about the problem with retirement spending: How much should you spend during retirement? If you spend too much, you run the risk of depleting your savings. But if you spend too little, you’re sacrificing the opportunity to make the most of your money, to “drink life to the lees”. One of the guiding principles in retirement planning is that there’s a “safe withdrawal rate”, a pace at which you can access your investments so that your nest egg will last for thirty years (or longer). For simplicity’s sake, a lot of folks talk about the “four-percent rule”: Generally speaking, it’s safe to withdraw 4% from your investment portfolio every year without risk of running out of money.
Similar Stories to The Four-percent Rule For Safe Withdrawals During Retirement: Theory Versus Reality on Bing News
J.D. Roth, Get Rich Slowly
Tue, 06/12/2018 - 5:00am
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BING NEWS:
- This Popular Rule of Thumb May Not Work for Your Retirement
You may also not end up retiring at a conventional age. The 4% rule is designed to help your savings last 30 years. If you're closing out your career at age 50, you may need your nest egg to last ...
11/28/2024 - 8:58 pm | View Link - I Used to Think the 4% Rule Made Sense for Retirement. Here's Why I've Changed My Mind.
Why the 4% rule doesn't work for me. Let's start by reviewing what the 4% rule entails. It basically states that if you withdraw 4% of your IRA or 401(k) plan balance your first y ...
11/22/2024 - 8:43 pm | View Link - Taking stock of bonds: Does the 60/40 rule still have a role in retirement savings?
The 60/40 rule is a fundamental tenet of investing. It says you should aim to keep 60% of your holdings in stocks, and 40% in bonds. Stocks can yield robust returns, but they are volatile. Bonds ...
11/8/2024 - 11:00 am | View Link - The four percent rule: Is it a good retirement strategy?
The four percent rule is a popular guideline for retirement withdrawals. But what is it, and is it a good strategy for retirement? Robert "Bob" Powell and Michael Finke, Professor of Wealth ...
10/29/2024 - 7:20 am | View Link - Eternal Retirement
But how much money do you need for a peaceful retirement ... the rule: it does not take into account any extraordinary additional costs. Everything you cannot pay for from your regular withdrawals ...
05/17/2024 - 12:48 am | View Link - More
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